Create a bank flow: For users who have no stable income, such as freelancers, you can find a fixed time to deposit a sum of money into a debit card every month. In the long run, a bank flow can be formed. In this case, it can be used as proof of income for handling credit cards, and the success rate will be improved.

2. Online application channels for card processing: credit card application channels are divided into online and offline channels, and the online application channels have lower requirements for users. You only need to fill in simple information, and you can successfully pass the examination and get a card. However, the amount of successful card issuance through the online application channel will not be very high.

3. Apply for a low-grade credit card: 3. No one has difficulty in applying for a card due to qualification problems. Moreover, high-end credit cards have very high requirements for users, so it will increase the difficulty for three people to apply for cards. If you want to apply for a card successfully, Xiao Bian still recommends that such user groups apply for low-end credit cards, and the amount can be increased through subsequent use.

4. Reduce the personal debt ratio: For those who are in debt, we must find ways to reduce the personal debt ratio, such as borrowing money from relatives and friends, etc. First, pay off some debts under our name and reduce the debt ratio to below 5%, so that it is possible to pass the credit card audit on the credit card platform. On the contrary, if the debts of three people are high, the credit card approval will not be smooth.